Natural hazards · Saddle Ridge

Saddle Ridge, CO natural hazards

Most of the natural-hazard damage FEMA expects in Saddle Ridge comes from hail, and overall the risk is moderate for a U.S. community.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Saddle Ridge?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Saddle Ridge to be higher than in 59% of U.S. communities, mostly from hail and inland flooding.

Hail31%Inland flooding28%Cold waves23%Tornadoes11%Everything else8%

By hazard

What Saddle Ridge faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Hail

31% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 7 times a year in the area

Inland flooding

28% of expected damage

Above average · higher than 60% of U.S. places

Recorded about once a year in the area

Cold waves

23% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

11% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Saddle Ridge flood?

FEMA's records show no paid flood insurance claims in Saddle Ridge.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Saddle Ridge isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Morgan County.

Disasters that hit Saddle Ridge

Federal disasters declared here

None of the disasters declared for Morgan County shows FEMA aid or repair money reaching Saddle Ridge itself in FEMA’s records.

Brought FEMA money into Saddle RidgeDeclared for Morgan County only

Morgan County has had 9 natural disasters declared since 1953, most often floods and winter storms.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Saddle Ridge is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Saddle Ridge’s own flood-insurance community; household aid to the registrant’s city; repair grants to Saddle Ridge. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.